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		Basic Checking Have you done the math on how much you’re paying for checking somewhere else? You may be unpleasantly surprised! Why pay hundreds of dollars each year to use your own money? Make the switch to Basic Checking at Vantage Credit Union today! Our checking account provides all the convenience and value you expect and deserve. Plus, your checking account funds at Vantage Credit Union are always safe since deposits are federally insured up to $100,000 by the full faith and credit of the NCUA, a U.S. government agency. Basic Checking No minimum balance requirement No per-check fees No monthly service charge Unlimited check writing Free ATM or Visa Check Card Free online banking Free direct deposit available Non-interest bearing account Vantage Credit Union also offers an Overdraft Protection Line-of-Credit. A separate loan application must be submitted and approved. Interest will accrue on any funds advanced. Vantage Credit Union Alumni Club members who are age 50+ and maintain an aggregate deposit balance of $5,000 or more also receive free Vantage Credit Union Custom Checks (1 box per order). I want to open a Vantage Credit Union checking account Checking Questions & Answers What is Overdraft Protection? Overdraft Protection acts as a “safety net” to keep you from bouncing checks and incurring fees should you overdraw your checking account. We provide two types of Overdraft Protection: from a personal line-of-credit and from your Regular Savings account. Overdraft Protection Line-of-Credit This type of Overdraft Protection is a personal protection loan. If necessary, funds are automatically transferred from the line-of-credit to cover your clearing checks. There is no fee for the service, but an applicable interest rate applies. You must apply, and be approved, for the Overdraft Protection Line-of-Credit in order for it to become effective. Read our disclosure for more details. Savings Overdraft Vantage Credit Union automatically transfers the necessary funds from your Regular Savings account to cover clearing checks. There is no fee for this service. If you don’t sign up for Overdraft Protection Line-of-Credit, you automatically receive Overdraft Protection from your Regular Savings account. Due to Federal Regulation D, the total number of transfers that can be completed from your Regular Savings account is limited to six each month. Regulation D transfers include all of the following: Pre-authorized or automatic transfers/withdrawals (savings overdraft) Touch Tone Teller transfers Telephone transfers Vantage Credit Union Online transfers Overdraft Protection Questions & Answers For more information, including fees and transaction limitations for a Vantage Credit Union checking account, please call us at 314.298.0055 or 800.522.6009. Or, visit your nearest Vantage Credit Union branch location. Top of Page
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